Certificate Accounts

In an uncertain world, this investment is a sure thing.

Open an Account: Certificate Accounts View Rates: Certificate Accounts

Put a savings goal in mind and reach it.

Higher rates give your savings a friendly push in a positive direction.

Certificates from Ventura County Credit Union offer guaranteed returns, pay higher rates than most savings accounts, and offer options to fit any financial time frame.

  • Fixed-Rate Certificates: Choose a savings period ranging from six months to five years. Minimum deposit of $1,000. Receive dividends as periodic payments or let them compound monthly until the certificate reaches maturity.
  • Jump-Up Certificates: Available for 18- or 24-month terms, with a minimum deposit of $5,000. If certificate rates rise after you open your certificate, you can request a rate hike one time before the maturity date. With the 24-month option, you can also make one additional deposit.
  • Get Fit Certificates: Have a savings goal but not a lot to invest up front? When your balance reaches a set amount (from $500 to $2,500), it's transferred to a six-month certificate to maximize dividends. Continue saving - and adding additional certificates - until you reach your goal of either $5,000 or $25,000. 
  • IRA Certificates: Our Individual Retirement Account Certificates are designed to help you plan for retirement. Term lengths vary from one to five years, and there are options to accommodate a variety of starting deposit amounts. Our Get Fit program is available for IRA certificates, too.

VCCU is a full-service, Southern California credit union with branches in VenturaPort HuenemeOxnardRiverParkCamarilloThousand OaksSimi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join!

I became a member right as I turned 18 years old. It was a family tradition to open up an account at VCCU and one tradition I am happy to pass down.
Jasmine R., Oxnard

Subject to change without notice. Penalties apply for early withdrawal.